Personal Accident Insurance for Horse Riding

Find out why horse riders should protect themselves financially from accidents and injury 

What is horse rider personal accident insurance?

Personal accident insurance specifically for horse riders offers financial protection from injuries and illnesses sustained whilst riding. In most cases, an insurer pays out a certain value as stated in the policy relative to an injury, disablement or even death of the rider.

Personal accident insurance provides a more comprehensive level of protection and assurance than the cover typically found within a standard horse insurance policy.

Do you need personal accident insurance?

It is often purchased as your livelihood could be at risk as a result of a riding-related injury. Medical expenses and loss of earnings can lead to significant financial distress that personal accident policies are designed to ease.

As a rider, we know making sure our horses are insured is near the top of our priority lists, but many riders forget they also could be covered themselves. We understand the ever-rising costs of horse ownersship, that's why we always want to position our horse insurance as affordable as posible.

What personal accident insurance do Harry Hall offer?

Harry hall provides £10k Personal Accident as standard in all our Gold Memberships. Combined with £10m Public Liability insurance you can cover rider and horse online in minutes.

By selecting an Enhanced policy you can even include Rider Fracture Cover to provide some financial relief if you break a bone listed in the policy.

Introducing Harry Hall's affordable personal accident and public liability insurance

It is worth going with a reputable provider when taking out personal accident insurance. It makes finding information easier and less stressful when you’re talking directly to someone with specialist knowledge. Here at Harry Hall, we know horse ownership is more than just a hobby, so we always ensure we make it as easy and affordable as possible for everyone to be covered.

"Having just bought the gold membership Insurance What great value for money for such a vital thing to have. Peace of mind to know we are all covered. Would highly recommend to everybody. Thank you." - Kelly W


Harry Hall One Club Benefits

The Harry Hall One Club includes public liability insurance for your horse and personal accident* cover for riders, as part of the Gold membership.

Currently, the Harry Hall One Club has three fantastic membership types with family options available for more horses.

Frequently Asked Questions

Generally, there are very few exclusions to who is eligible for personal accident cover, with the limits usually applied to the activities undertaken by the policy holder. Always be sure to check policy wording, you can find ours here.

Whilst personal accident cover costs and fees can range drastically from company-to-company and dependent on your level of cover, we pride ourselves as being affordable to all, with premiums starting as low as £4.15 for our Gold membership plan, which even includes public liability insurance and a whole host of Harry Hall One Club member benefits, including up to 30% off products sitewide!

Kids can be covered on their own, or you can add them to your own insurance under our Gold Membership Family Plan, where you can cover up to four different riders. It's worth checking the policy wording to check on specific conditions.

Personal accident cover will protect you financially should any of a wide range of injuries (or worse) may happen to you, including: 

  • Death

  • Permanent Total Loss of Sight of One Eye

  • Permanent Total Loss of Sight of Both Eyes

  • Loss of one or more limbs

  • Permanent Total Loss of Speech

  • Permanent Total Loss of Hearing in one ear - or in both

  • Permanent Total Disablement

Joining the Harry Hall One Club means exclusive product discounts, year-round savings, free delivery, competitions, access to riding technology and much more. But it also means you and your horse are at the heart of everything we do.

Important Information

  • Equario Insurance (Guernsey) Limited, is registered in Guernsey under Registration Number 69867 and is regulated by the Guernsey Financial Services Commission. Equario Insurance (Guernsey) Limited’s registered office is Level 5, Mill Court, La Charroterie, St Peter Port, Guernsey GY1 1EJ.

    Harry Hall International Limited is authorised and regulated by the Financial Conduct Authority (FCA) our firm reference number is 968047. You may check this on the Financial Services Register by visiting the FCA website click here

  • Pony Club products and Personalisation are excluded from the FREE UK delivery offered to Gold and Platinum Members. Free delivery is offered to UK mainland customers only.

  • Harry Hall donates £0.05p from new, single orders to our charity partners. Please note the following exclusions apply: renewals, Pony Club and Gift Cards,

  • Sign up vouchers are delivered to marketing consented customers by email and have a limited expiration and specifc terms of use. Please refer to the email for further details and note that vouchers are single use for new and renewing customers only and have a minimum order value.

  • In an effort to reduce paper and plastic usage, One Club membership has moved online! To view your policy documents please log in to the Harry Hall Riding App or visit the My Account section of the website. You will also be emailed your policy documents and important phone numbers.

One Club Terms and Conditions ➔

One Club Gold/Platinum, Public Liability & Personal Accident Policy Documents ➔

Vet Fee Insurance Terms & Policy Wording ➔

Horse Trailer & Horsebox Insurance Terms & Policy Wording ➔

Manage my Policy ➔

Contact Us ➔

Claims Procedure ➔

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